Dollars Sense

Local Dollars, Local Sense is a guide to creating Community Resilience. Americans' long-term savings in stocks, bonds, mutual funds, pension funds, and life insurance funds total about $30 trillion. But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street? In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves. A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.

This classic Berenstain Bears story is a perfect way to teach children about money and responsibility! Come for a visit in Bear Country with this classic First Time Book® from Stan and Jan Berenstain. Papa thinks it’s time to teach Brother and Sister how to budget their money, but will the cubs come to understand the value of a dollar, or will their pockets continue to be empty? Includes over 50 bonus stickers!

An easy-to-understand visual guide to the facts of food and nutrition. A nutritionist in a book that explains key concepts about food and what makes it good or bad for you, How Food Works brings the science of food to life. Through a highly visual approach that uses bold infographics, explore the good, the bad, the confusing, and the trending world of food. Discover what an antioxidant is, find out what a superfood does to your body, and learn why it is dangerous to reheat rice. Covering a wide variety of topics, from dieting to gluten intolerance, How Food Works debunks common food myths, explains nutrition, covers the food groups, and looks into organic vs. processed foods. Follow the history of food production and free-range farming, how food is transported, and what "sell by" dates really mean. How Food Works is a completely comprehensive guide that will help readers understand the underlying biological effects of everyday foods through scientific evaluation, revealing the powers of different types of food and drinks.

"Eloquent and detailed...It's hard to have hope, but the organized observations and plans of Hoffman and people like her give me some. Read her book -- and listen." -- Jane Smiley, The Washington Post In her late 40s, Beth Hoffman decided to upend her comfortable life as a professor and journalist to move to her husband's family ranch in Iowa--all for the dream of becoming a farmer. There was just one problem: money. Half of America's two million farms made less than $300 in 2019, and many struggle just to stay afloat. Bet the Farm chronicles this struggle through Beth's eyes. She must contend with her father-in-law, who is reluctant to hand over control of the land. Growing oats is good for the environment but ends up being very bad for the wallet. And finding somewhere, in the midst of COVID-19, to slaughter grass finished beef is a nightmare. If Beth can't make it, how can farmers who confront racism, lack access to land, or don't have other jobs to fall back on hack it? Bet the Farm is a first-hand account of the perils of farming today and a personal exploration of more just and sustainable ways of producing food.

From putting together a beginner's budget to creating a lifelong financial strategy, buying life insurance, or setting up a retirement plan, Kristof shows anyone with a computer how to quickly and easily perform an array of financial planning tasks. Worksheets.

Most people need medicine at some point in their lives. It's this fact that drives the pharmaceutical industry and makes it one of the most profitable industries today. So much goes into the making of a single pharmaceutical product before it even goes on the shelves, including research, manufacturing, clinical trials, and marketing. In this book, readers learn about these stages of development and what happens when a wonder drug turns out to have deadly side effects. They'll read facts and figures that will surprise them, such as the first drugstore dating back to the eighth century! Readers will also learn about the future of pharmaceuticals on the Internet and the effects of recent government guidelines. Business may be booming, but competition between pharmaceutical companies is fierce. They're always on the lookout for the next product that may change our lives forever.

An experienced financial planner offers practical and realistic advice, thoroughly grounded in a biblical perspective, that will help readers realize what it means to be stewards of the money that passes through their hands, and offers them usable information on how to earn, save, spend, and invest it wisely.